Question 1

How is PuraFi different from a corporate card platform?

Accepted Answer

Corporate card platforms are built around the company card, so the company keeps the points and anyone without a card still files an expense report. PuraFi is employee-first: your team pays on their own card and keeps every point, expenses code themselves, reimbursement lands the moment you approve, and there is a benefits card for stipends.

Question 2

Do we have to rip out our expense tool or corporate cards to use PuraFi?

Accepted Answer

No. PuraFi runs alongside what you already have and plugs into your existing accounting and HR systems. It does travel, expense, cards and benefits in one place, so most teams retire a separate expense subscription over time, but nothing has to be ripped out to get started.

Question 3

What about employees who don't have a company card today?

Accepted Answer

They get the same experience as everyone else. Because reimbursement is built in, there is no split between staff with a company card and those floating costs on their own. Everyone expenses, gets paid back within the minute, and keeps their own points.

Question 4

Is PuraFi a credit card or a line of credit?

Accepted Answer

No. PuraFi never lends and it is never a credit line. You fund reimbursements one of two ways: prepay a balance for a zero-fee draw, or let PuraFi front them and settle on a simple weekly statement. Nothing lands as debt on your balance sheet.

Question 5

How does PuraFi compare on cost?

Accepted Answer

One plan, two funding modes: $4 per wallet (prepay) or $7 per user (PuraFi fronts it) per month. Card-rail payments are free and an AI token pool is included. Because it replaces a separate expense tool and the points stay with employees, it often costs less than the tool it retires.

	Employee-first T&E	Corporate card platformsCard-led spend tools	Legacy expense toolsOld T&E + spreadsheets
Built around the employee, not the card or the report	✓ Employee-first by design	✗ Built around the company card	✗ Built around the expense report
Employees keep 100% of their card points	✓ Always, they pay on their own card	✗ Company card pockets the points	~ Personal card, but slow payback
Reimbursed the moment it’s approved	✓ Instant to the employee’s wallet	✓ Avoided entirely, spend sits on the card	✗ Days to weeks, batch runs
Cashback on vendor payments	✓ 1.5% on 30%+ of payables; PuraFi moves the base	~ A rate, on the sliver already on card	✗ No card economics at all
In-policy travel booking built in	✓ Drafts an in-policy trip, books on approval	~ Bolt-on travel partner	✗ Separate travel desk or tool
Expenses code themselves from the receipt	✓ Auto-coded to account, cost center & project	~ Category sync, you finish the coding	✗ Manual coding & journal entries
Lifestyle & benefits stipends (gym, healthcare, commuter)	✓ Benefits card with per-program purses	✗ Not offered	✗ Not offered
Company-sponsored card, when you want one	✓ Optional, policy on the card	✓ That’s the whole model	~ A separate card program
AI concierge inside Slack, Teams, Claude & ChatGPT	✓ Built in, human-in-the-loop	~ AI features, dashboard-first	✗ None
AI never moves money on its own	✓ Policy pays in-policy spend; a human takes every exception	~ Varies by vendor	✗ No AI in the loop
Auto-posts to your accounting system	✓ QuickBooks, NetSuite, SAP, Xero, Sage	~ Card feed sync	✗ Manual journal entries
Pricing	✓ $4-7 / user, simple	~ Free to $15–30+ / user, varies	✗ Per-report + travel-desk fees

The employee-first T&E platform.

Three ways to run T&E. One is employee-first.

Switching, without the headache.

The T&E experience your team deserves.